Gilbert & Cook Risk Tolerance Questionnaire

Gilbert & Cook Risk Tolerance Questionnaire
Name*

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Email*
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1. When do you expect to begin withdrawing money from your investment account?*

A) Less than 2 yearsB) 2 yearsC) 3 to 4 yearsD) 5 to 7 yearsE) 8 to 10 yearsF) 11 years or more
2. Once you begin withdrawing money from your investment account, how long do you expect the withdrawals to last?*

A) I plan to take a lump sum distribution.B) 1 to 4 yearsC) 5 to 7 yearsD) 8 to 10 yearsE) 11 years or more
3. Which of the following choices best reflects your attitude toward inflation and risk?*

A) My main goal is to avoid loss, even though I may only keep pace with inflation.B) My main goal is to earn slightly more than inflation, while taking on a low level of risk.C) My main goal is to increase my portfolio’s value. Therefore, I am willing to accept short-term losses, but I am not comfortable with extreme performance shifts that may be experienced in the most aggressive investment options.D) My main goal is to maximize my portfolio value, and I am willing to take on more extreme levels of risk and performance shifts in my portfolio to do so.
4. The options listed below present a hypothetical worst case loss, expected gain, and best case gain of five sample portfolios over a one-year period with an initial $100,000 investment. Which portfolio would you prefer to hold?*

Portfolio A: Best Case $114,000 / Expected Gain $104,200 / Worst Case $91,500Portfolio B: Best Case $118,900 / Expected Gain $105,000 / Worst Case $85,300Portfolio C: Best Case $124,400 / Expected Gain $105,900 / Worst Case $78,800Portfolio D: Best Case 129,900 / Expected Gain $106,700 / Worst Case $72,700Portfolio E: Best Case $133,800 / Expected Gain $107,400 / Worst Case $68,200
5. Investing involves a trade-off between risk and return. Which statement best describes your investment goals?*

A) Protect the value of my account. In order to minimize the chance for loss, I am willing to accept the lower long-term returns provided by conservative investments.B) Keep risk to a minimum, while trying to achieve slightly higher returns than the returns provided by investments that are more conservative.C) Focus more on the long-term investment returns. Long-term growth is equally as important as managing portfolio risk.D) Maximize long-term investment returns. I am willing to accept large and sometimes dramatic short-term fluctuations in the value of my investments.
6. Historically, markets have experienced downturns, both short-term and prolonged, followed by market recoveries. Suppose you owned a well-diversified portfolio that fell by 20% (i.e. $1,000 initial investment would now be worth $800) over a short period, consistent with the overall market. Assuming you still have 10 years until you begin withdrawals, how would you react?*

A) I would not change my portfolio.B) I would wait at least 1-year before changing to options that are more conservative.C) I would wait at least 3-months before changing to options that are more conservative.D) I would immediately change to options that are more conservative.
7. The following sample portfolios show a hypothetical best and worst results over a 1-year holding period. (Note that the portfolio with the highest upside also has the largest downside.) Which of these portfolios would you prefer to hold?*

Portfolio A: +34% / -32% ReturnPortfolio B: +30% / -27% ReturnPortfolio C: +24% / -21% ReturnPortfolio D: +19% / -15% ReturnPortfolio E: +14% / -8% Return
8. I am comfortable with investments that may frequently experience large declines in value if there is a potential for higher returns. What is your view regarding this statement?*

A) Strongly disagreeB) DisagreeC) Somewhat agreeD) AgreeE) Strongly agree
RTQ Questions 1-2
RTQ Questions 3-8
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